Where to Improve credit score - Online Consumer Forums Digital-Boards.com The Consumer Network

KenMarshall · 04-14-2007

Thanks for helping

Lloyd Brown · 04-15-2007

I think the only way to improve your credit score is by getting credit card bills, auto loans, things like that, then making payments on time.

attagirl · 05-09-2007

There are things that are considered good credit factors such as mortgages, and student loans. Then you have car loans and credit cards that can improve your credit score as well. You need to be careful with credit cards and do not get a car loan right before any other major purchase such as a house.

kkk3 · 08-28-2007

I got this from an article but I may not be able to post the link so here is the content.

5 Quick Steps That Can Improve Your Credit Score By 18 Points In One Day!

1. Check with your bank and see if they give you bill pay service. If so then start using it. Set up all your credit accounts so that all payments are made on time. I set mine for the avg minimum pmt on that particular card. If I could pay more I would, but at least I knewthat my payment was made on time.

2. At your earliest convenience, it is in your best interest to obtain a copy of your current credit report. This way, you will be able to see which of your accounts are actually listed on your credit report. You can get your credit report for free through several different websites online at least once per year.

3. Check for errors - go through and double check all of your information so that you can be absolutely certain that there are no errors on your credit report. The reason behind these check are because errors can be quite devastating to your credit score.

4. If you do happen to find an error or two on your credit report, it should be resolved as soon as you possibly can. You can go about fixing the errors by contacting your lender to find out if they have the information correct. Then, you will be able to find contact information through your free credit report website so that you can get the errors deleted from your credit report.

5.Check your credit limits. Are you over extended? Is more than 50% of your available credit limits in use? A quick way to increase your credit score is to bring down your debt ratio. I had a client that surprised me by calling her credit card company and requesting a credit line increase. Here orignal credit line was $4000 with $2500 in use. They increased her line to $7500 which put her at 33% of her available credit in use. The next month her credit score rose 18 points.

Remember that credit is a privilege, not a right. You should always do your best to take care of the credit that you are given and you will be sure to build a good credit report.

Credit Card Rewards - How To Make Use Of Your Credit Cards Point Programs

04-14-2007	#1 (permalink)
KenMarshall Consumer Join Date: Apr 2007 Posts: 1	Where to Improve credit score Thanks for helping

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04-15-2007	#2 (permalink)
Lloyd Brown Administrator Join Date: Sep 2006 Posts: 518	I think the only way to improve your credit score is by getting credit card bills, auto loans, things like that, then making payments on time.

05-09-2007	#3 (permalink)
attagirl Consumer Join Date: May 2007 Posts: 42	There are things that are considered good credit factors such as mortgages, and student loans. Then you have car loans and credit cards that can improve your credit score as well. You need to be careful with credit cards and do not get a car loan right before any other major purchase such as a house.

08-28-2007	#4 (permalink)
kkk3 Consumer Join Date: Aug 2007 Posts: 71	I got this from an article but I may not be able to post the link so here is the content. 5 Quick Steps That Can Improve Your Credit Score By 18 Points In One Day! 1. Check with your bank and see if they give you bill pay service. If so then start using it. Set up all your credit accounts so that all payments are made on time. I set mine for the avg minimum pmt on that particular card. If I could pay more I would, but at least I knewthat my payment was made on time. 2. At your earliest convenience, it is in your best interest to obtain a copy of your current credit report. This way, you will be able to see which of your accounts are actually listed on your credit report. You can get your credit report for free through several different websites online at least once per year. 3. Check for errors - go through and double check all of your information so that you can be absolutely certain that there are no errors on your credit report. The reason behind these check are because errors can be quite devastating to your credit score. 4. If you do happen to find an error or two on your credit report, it should be resolved as soon as you possibly can. You can go about fixing the errors by contacting your lender to find out if they have the information correct. Then, you will be able to find contact information through your free credit report website so that you can get the errors deleted from your credit report. 5.Check your credit limits. Are you over extended? Is more than 50% of your available credit limits in use? A quick way to increase your credit score is to bring down your debt ratio. I had a client that surprised me by calling her credit card company and requesting a credit line increase. Here orignal credit line was $4000 with $2500 in use. They increased her line to $7500 which put her at 33% of her available credit in use. The next month her credit score rose 18 points. Remember that credit is a privilege, not a right. You should always do your best to take care of the credit that you are given and you will be sure to build a good credit report. Credit Card Rewards - How To Make Use Of Your Credit Cards Point Programs